When do credit card bonus points post?

Many credit cards offer bonus points for spending in foreign currencies, through specific channels (e.g. online, contactless), or on certain categories like dining and shopping. 

However, the way these points are credited isn’t always straightforward:

• Some cards award both base and bonus points upfront
• Some cards award the base points first, and the bonus points later
• Some cards even do a mix of the two

This can cause a lot of confusion among cardholders, who worry their points weren’t credited properly when really, they’re just in transit!

In this post, I’ll explain how bonus points are credited for some popular miles and points cards, and when you can expect to receive them.

Card	Bonus Points
Citi Rewards Card Apply	Instant Post together with base points
DBS Woman’s World Card Apply	Delayed Post by end of following calendar month
DBS yuu Card AMEX Visa	Delayed Post within 60 days after end of calendar month
HSBC Revolution Card Apply	Delayed Post by end of following calendar month
KrisFlyer UOB Credit Card Apply	SIA Group, Kris+, Pelago Instant Post together with base miles Accelerated Miles Delayed Post 2 months after end of membership year
Maybank Horizon Visa Signature Apply	Delayed Post on 7th of following calendar month
Maybank World Mastercard Apply	Petrol, Selected Dining & Shopping Instant Post together with base points FCY Spend Delayed Post on 8th of following calendar month
Maybank XL Rewards Card Apply	Delayed Post on 11th of following calendar month (together with base points)
OCBC Rewards Card Apply	Delayed Post by end of following calendar month
StanChart Beyond Card Apply	Delayed Post in following statement month
StanChart Journey Card Apply	Delayed Post at start of following statement month
StanChart Smart Card Apply	Delayed Post at start of following statement month (together with base points)
UOB Lady’s Card Apply	Delayed Post on 1st of following calendar month
UOB Preferred Visa Apply	Instant Post together with base points
UOB Visa Signature Apply	Delayed Post at start of following statement month

Base and bonus points post together

Citi Rewards Card

Apply
Bonus Earn Rate	4 mpd
Min. Spend	N/A
Cap	S$1,000 per s. month

The Citi Rewards Card earns 10X ThankYou Points per S$1 (4 mpd) on online transactions (except travel-related spend and in-app mobile wallet), as well as selected shopping MCCs, capped at S$1,000 per statement month.

Both base and bonus points are credited at the time the transaction posts.

Maybank XL Rewards Card

Apply
Bonus Earn Rate	4 mpd
Min. Spend	S$500 per c. month
Cap	S$1,000 per c. month

The Maybank XL Rewards Card earns 10X TREATS Points per S$1 (4 mpd) on dining, shopping, travel and entertainment, with a minimum spend of S$500 per calendar month and capped at S$1,000 per calendar month.

Both base and bonus points are delayed. You won’t get any points when the transaction posts. Instead, base and bonus points will only be credited on the 11th of the following month.

StanChart Smart Card

Apply
Bonus Earn Rate	Up to 9.28 mpd
Min. Spend	S$800 or S$1,500 per s. month
Cap	No cap

The StanChart Smart Card earns up to 32 SC Points per S$1 at bonus-eligible merchants, broken down into:

• the regular base rate of 1.6 SC Points per S$1 (0.46 mpd), and
• a bonus of 24-30.4 SC Points per S$1 (6.96-8.82 mpd), depending on monthly spend

There are two different bonus tiers, based on total spend within a statement month.

Both base and bonus points are delayed. You won’t get any points when the transaction posts. Instead, base and bonus points will only be credited at the start of the following statement month.

UOB Preferred Visa

Apply
Bonus Earn Rate	4 mpd
Min. Spend	N/A
Cap	S$1,200 per c. month (S$600 per bonus category)

The UOB Preferred Visa earns 10X UNI$ per S$5 (4 mpd) on mobile contactless payments, as well as online shopping and entertainment, capped at S$1,200 per calendar month. 

Both base and bonus points are credited at the time the transaction posts.

For example, if I were to use my UOB Preferred Visa to pay in-store via mobile contactless, I would see two sets of points credited on the same day: one for the base 1X UNI$ (0.4 mpd), and one for the bonus 9X UNI$ (3.6 mpd).

Base and bonus points post separately

DBS Woman’s World Card

Apply
Bonus Earn Rate	4 mpd
Min. Spend	N/A
Cap	S$1,000 per c. month

The DBS Woman’s World Card earns 10X DBS Points per S$5 (4 mpd) on online transactions, capped at S$1,000 per calendar month.

1. 1X DBS Point (0.4 mpd) is credited at the time the transaction posts
2. 9X DBS Points (3.6 mpd) are credited by the end of the following calendar month 

However, the DBS Woman’s World Card also earns 3X DBS Points per S$5 (1.2 mpd) on FCY transactions, which is awarded at the time the transaction posts.

If your transaction is both online and in FCY, then:

1. 3X DBS Points (1.2 mpd) are credited at the time the transaction posts
2. 7X DBS Points (2.8 mpd) are credited by the end of the following calendar month

DBS usually credits bonus points on the 16th of the following month. 

DBS yuu Card

AMEX Visa
Bonus Earn Rate	10 mpd
Min. Spend	S$800 per c. month (and 4x merchants)
Cap	S$823 per c. month

The DBS yuu Card earns 36X yuu Points per S$1 (10 mpd) on transactions at yuu merchants, with a minimum spend of S$800 per calendar month (and 4x participating merchants), and capped at S$823 per calendar month.

• 1X yuu Point (0.28 mpd) is credited instantly, upon scanning the yuu app
• 35X yuu Points (9.28 mpd) are credited within 60 days after the end of each calendar month

While DBS quotes 60 days, you can generally expect bonus yuu Points to arrive between the 20th and end of the following calendar month.

HSBC Revolution Card

Apply
Bonus Earn Rate	4 mpd
Min. Spend	N/A
Cap	S$1,000 per c. month

The HSBC Revolution Card earns up to 10X HSBC Points per S$1 (8 mpd) on online transactions at selected MCCs, capped at S$1,000 per calendar month.

• 1X HSBC Point (0.4 mpd) is credited at the time the transaction posts
• 9X HSBC Points (3.6 mpd) are credited by the end of the following calendar month

Customers who maintain a HSBC Everyday Global Account (EGA) with a minimum ADB of S$50,000 will earn an extra 10X HSBC Points (4 mpd), with an overall bonus cap of S$1,200 per calendar month. 

HSBC does not have a fixed date for crediting bonus points, but it’s historically been done between the 9th to the 19th of the following month.

However, following the April 2026 enhancement and the addition of the EGA bonus, the crediting timeline appears to have been pushed back towards the end of the following month.

Maybank Horizon Visa Signature

Apply
Bonus Earn Rate	2.8 mpd
Min. Spend	S$800 per c. month
Cap	S$10,000 per c. month (for air tickets) No cap for FCY spend

The Maybank Horizon Visa Signature earns 7X TREATS Points per S$1 (2.8 mpd) on FCY spend (uncapped) and air tickets (capped at S$10,000 per calendar month), with a minimum spend of S$800 per calendar month.

1. 3X TREATS Points (1.2 mpd) are credited at the time the transaction posts
2. 4X TREATS Points (1.6 mpd) are credited by the 7th of the following calendar month

OCBC Rewards Card

Apply
Bonus Earn Rate	4 mpd
Min. Spend	N/A
Cap	S$1,110 per c. month

The OCBC Rewards Card earns 10X OCBC$ per S$1 (4 mpd) on online and offline shopping at selected MCCs and merchants, capped at S$1,110 per calendar month.

1. 1X OCBC$ (0.4 mpd) is credited at the time the transaction posts
2. 9X OCBC$ (3.6 mpd) is credited by the end of the following calendar month

OCBC does not have a fixed date for crediting bonus points, but it’s usually done between the 15th to the 24th of the following month.

StanChart Beyond Card

Apply
Bonus Earn Rate	Priority Banking: 2 mpd local, 3.5 mpd FCY Priority Private: 2 mpd local, 4 mpd FCY, 8 mpd FCY dining
Min. Spend	N/A
Cap	N/A

The StanChart Beyond Card usually earns an uncapped:

• 3.75 SC Points per S$1 (1.5 mpd) on local spend
• 7.5 SC Points per S$1 (3 mpd) on FCY spend

Points are credited when the transaction posts.

Priority Banking (PB) customers will earn an extra uncapped:

• 1.25 SC Points per S$1 (0.5 mpd) on local spend
• 1.25 SC Points per S$1 (0.5 mpd) on FCY spend

Priority Private (PP) customers will earn an extra uncapped:

• 1.25 SC Points per S$1 (0.5 mpd) on local spend
• 2.5 SC Points per S$1 (1 mpd) on FCY spend
• 12.5 SC Points per S$1 (1 mpd) on FCY dining spend

The extra points for PB and PP customers will be credited the following statement month

StanChart Journey Card

Apply
Bonus Earn Rate	3 mpd
Min. Spend	N/A
Cap	S$1,000 per s. month

The StanChart Journey Card earns 7.5 SC Points per S$1 (3 mpd) for online dining, transport and cruise bookings made in SGD, capped at S$1,000 per statement month.

1. 3.75 SC Points per S$1 (1.5 mpd) is credited at the time the transaction posts
2. 3.75 SC Points per S$1 (1.5 mpd) is credited at the start of the following statement month

UOB Lady’s Cards

Apply
Bonus Earn Rate	4 mpd
Min. Spend	N/A
Cap	Lady’s: S$1,000 per c. month Lady’s Solitaire: S$1,500 per c. month (S$750 per category)

The UOB Lady’s Cards earn 10X UNI$ per S$5 (4 mpd) on a choice of one (Lady’s Card) or two (Lady’s Solitaire Card) bonus categories, capped at S$1,000 (Lady’s Card) or S$1,500 (Lady’s Solitaire Card).

1. 1X UNI$ (0.4 mpd) is credited at the time the transaction posts
2. 9X UNI$ (3.6 mpd) is credited on the 1st day of the following calendar month

You can see the bonus points credited on the 1st day of the following month.

If you also have a UOB Lady’s Savings Account, you can earn an extra 5-15X UNI$ per S$1 (2-6 mpd). This will be credited on the 27th of the following calendar month as one (Lady’s Card) or two (Lady’s Solitaire Card) entries.

UOB Visa Signature

Apply
Bonus Earn Rate	4 mpd
Min. Spend	S$1,000 per s. month
Cap	S$2,400 per s. month (S$1,200 per bonus category)

The UOB Visa Signature Card earns 10X UNI$ per S$5 (4 mpd) on FCY spend and contactless and petrol, with a minimum spend of S$1,000 in the current statement month, in either SGD (for contactless and petrol) or FCY (for FCY spend). A cap of S$2,400 per statement month applies. 

1. 1X UNI$ (0.4 mpd) is credited at the time the transaction posts
2. 9X UNI$ (3.6 mpd) is credited at the start of the following statement month

Since everyone’s statement period differs, the date where the 9X UNI$ (3.6 mpd) is credited will differ too. In my case, it just so happens to be the 1st of the month.

Mixed models

KrisFlyer UOB Credit Card

Apply
Bonus Earn Rate	SIA Group Kris+, Pelago: 3 mpd Accelerated Miles: 2.4 mpd
Min. Spend	S$1,000 on SIA Group in membership year
Cap	N/A

The KrisFlyer UOB Credit Card earns an uncapped:

1. 3 mpd on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago transactions
2. 2.4 mpd on dining, food delivery, online shopping, online travel, and transport (known as “Accelerated miles”)

For (1), the entire 3 mpd will be credited to your KrisFlyer account the following calendar month when the monthly “sweep” takes place, which is usually between the 3rd and 5th.

For (2), 1.2 mpd will be credited to your KrisFlyer account the following calendar month when the monthly “sweep” takes place, which is usually between the 3rd and 5th.

The remaining 1.2 mpd will be credited two months after the end of the membership year, assuming you spend at least S$1,000 on Singapore Airlines, Scoot, KrisShop during that membership year.

Maybank World Mastercard

Apply
Bonus Earn Rate	Petrol and Specialty Retail/Dining: 4 mpd FCY: Up to 3.2 mpd
Min. Spend	FCY: S$800 or S$4,000
Cap	N/A

The Maybank World Mastercard earns an uncapped 10X TREATS Points per S$1 (4 mpd) on local petrol, and specialty retail/dining merchants like Imperial Treasure, Les Amis Group and Valiram Group.

Both base and bonus points will be credited when the transaction posts.

The Maybank World Mastercard also earns an uncapped 7/8X TREATS Points per S$1 (2.8/3.2 mpd) on foreign currency spending:

• 1X TREATS Points (0.4 mpd) are credited at the time the transaction posts
• 6X TREATS Points (2.4 mpd) are credited by the 8th of the following calendar month, provided a minimum spend of S$800 was made in the current calendar month
• 7X TREATS Points (2.8 mpd) are credited by the 8th of the following calendar month, provided a minimum spend of S$4,000 was made in the current calendar month

Conclusion

With all the different ways that banks award bonus points, it’s quite easy to think some are missing when in fact they’re just “in transit”! 

So before you pick up the phone, take a moment to consult the T&Cs (and hopefully this article) to see whether your points are really overdue.